Ever wondered how banks and financial institutions manage to send millions of personalized messages daily? The answer lies at the fascinating intersection of AI, data analysis, and privacy management.

Sanjay Ramchandani, Executive Vice President specializing in MarTech, pulls back the curtain on how major financial institutions build comprehensive customer profiles—transitioning from unknown prospects to fully known customers through ethical data collection and analysis. He explains how these profiles feed into AI algorithms that determine the perfect products and offers for each individual, ensuring marketing is relevant rather than generic.

The technological evolution is staggering. Where companies once employed 40 people to manually update rates and personalize financial service emails daily, Gen AI has streamlined these operations to require just 10 staff members for oversight. This efficiency enables sending 4 million customized emails daily, each with dynamic rates and tailored content. Even more fascinating is the depth of personalization possible—some companies analyze 70 different signals from your phone, including battery patterns and pre-sleep browsing habits, to determine the optimal moment to reach you.

But with great personalization comes great responsibility. Sanjay shares a cautionary tale of what happens when permission systems fail to sync properly, resulting in 500,000 emails sent contrary to privacy preferences—a potentially costly violation requiring intervention from marketing, PR, legal, compliance, and data teams to rectify.

Ready to understand the delicate balance between personalization power and privacy protection? Listen now to discover how modern MarTech is reshaping customer experiences while navigating increasingly complex ethical considerations.